BlastPoint's Credit Union Scorecard

MAINE FAMILY

Charter #2644 · ME

100M-500M

1069 CUs in 100M-500M nationally 32 in ME

MAINE FAMILY has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 5.2% in tier

Key Concerns

Areas that may need attention

- ROA 0.09% below tier average
- Efficiency ratio 1.43% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 7.5% in tier
- Net Worth Ratio: Bottom 9.4% in tier
- Loan-to-Share Ratio: Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	18,928 +3.1% YoY+0.9% QoQ	+3.5K	15,437 -2.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	73%
Assets	$282.3M +10.2% YoY+1.5% QoQ	+$50.4M	$231.9M +1.3% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	70%
Loans	$125.7M +12.3% YoY+2.9% QoQ	$-21.6M	$147.3M -0.1% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	51%
Deposits	$256.7M +10.4% YoY+1.5% QoQ	+$55.9M	$200.8M +0.8% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	73%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +53.4% YoY-5.6% QoQ	-0.1%	0.8% +18.2% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	43%
NIM	2.6% +14.1% YoY+1.0% QoQ	-1.0%	3.6% +6.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	Bottom 7.4% in tier
Efficiency Ratio	78.4% -6.8% YoY+0.9% QoQ	+1.4%	77.0% -3.1% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	54%
Delinquency Rate	0.1% -46.0% YoY-59.5% QoQ	-0.8	0.9% +4.2% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	Top 5.2% in tier
Loan To Share	49.0% +1.7% YoY+1.4% QoQ	-23.2%	72.2% -1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	Bottom 9.8% in tier
AMR	$20,204 +7.7% YoY+1.0% QoQ	$-4K	$24,676 +3.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	35%
CD Concentration	17.8% +8.3% YoY-1.8% QoQ	-6.6%	24.4%	25.1%	19.8%	50%
Indirect Auto %	13.7% +124.9% YoY+16.4% QoQ	-0.1%	13.8%	15.9%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#176 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.08%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 13.68%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Wallet Share Momentum

growth

#264 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.68%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Organic Growth Engine

growth

#377 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.08%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.67%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 13.68%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Median: -

#57 of 1069 Top 5.2% in 100M-500M tier

119

Deposit Growth Rate

growth

Value: 10.40%

Peer Median: -

#119 of 1069 Top 11.0% in 100M-500M tier

121

Loan Growth Rate

growth

Value: 12.25%

Peer Median: -

#121 of 1069 Top 11.2% in 100M-500M tier

133

Asset Growth Rate

growth

Value: 10.19%

Peer Median: -

#133 of 1069 Top 12.3% in 100M-500M tier

180

Members Per Employee (MPE)

engagement

Value: 411.478

Peer Median: -

#180 of 1069 Top 16.7% in 100M-500M tier

207

Member Growth Rate

growth

Value: 3.08%

Peer Median: -

#207 of 1069 Top 19.3% in 100M-500M tier

208

AMR Growth Rate

growth

Value: 7.68%

Peer Median: -

#208 of 1069 Top 19.4% in 100M-500M tier

233

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: -

#233 of 1069 Top 21.7% in 100M-500M tier

Top Weaknesses (4 metrics)

990

Net Interest Margin (NIM)

profitability

Value: 2.61%

Peer Median: -

#990 of 1069 Bottom 7.5% in 100M-500M tier

970

Net Worth Ratio

risk

Value: 8.66%

Peer Median: -

#970 of 1069 Bottom 9.4% in 100M-500M tier

964

Loan-to-Share Ratio

balance_sheet

Value: 48.98%

Peer Median: -

#964 of 1069 Bottom 9.9% in 100M-500M tier

868

Loan-to-Member Ratio (LMR)

engagement

Value: $6,642

Peer Median: -

#868 of 1069 Bottom 18.9% in 100M-500M tier